FEMA flood zones · Georgia

Clay County, Georgia Flood Zone Map

4 federal flood & hurricane disasters

13% of Clay County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Clay County, Georgia. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

In their words

9 NOAA storm reports from Clay County describe what happened, in the words of the forecasters who covered it. Read the Georgia flood stories →

Federal disasters

14 federal disaster declarations since 1994, 4 of them floods, coastal storms or hurricanes.

DisasterBegan
Hurricane HeleneSep 24, 2024
Hurricane MichaelOct 9, 2018
Hurricane IrmaSep 7, 2017
Severe Storms, Tornadoes, Straight-line Winds, And FloodingJan 21, 2017
Severe Storms And TornadoesMar 1, 2007
Hurricane Katrina EvacuationAug 27, 2005
Hurricane IvanSep 14, 2004
Severe Storms And FloodingFeb 14, 1998

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

10 since 1996: 1 river or area floods.

EventDateDamage
Tropical StormSep 26, 2024—
Tropical StormAug 16, 2021$3,000
Tropical StormOct 10, 2018$1.0M
Tropical StormSep 10, 2017$50,000
Tropical StormAug 22, 2008$5,000
Hurricane (Typhoon)Jul 9, 2005$100,000
Tropical StormSep 15, 2004$50,000
Tropical StormSep 5, 2004—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Tropical Storm · Sep 26, 2024. Hurricane Helene made landfall as a Category 4 hurricane with maximum sustained winds of 140 mph and a minimum central pressure of 938 mb (27.70 inches) at about 11:10 PM EDT on Thursday, September 26th, in Taylor County Florida just east of the Aucilla River. Helene quickly moved inland across Taylor and Madison Counties before moving into Lowndes County in South Central Georgia. The hurricane produced a devastat…

Tropical Storm · Aug 16, 2021. After moving across the Greater Antilles and weakening, the remnants of Tropical Storm Fred strengthened into a tropical storm once again in the Gulf of Mexico and made landfall near Cape San Blas with maximum sustained winds near 65 mph on August 16th. The storm brought flooding and strong winds to numerous areas of the tri-state region. Rainfall amounts were generally in the 3 to 9 inch range with the highest am…

Tropical Storm · Oct 10, 2018. Hurricane Michael started as typical weak October Caribbean tropical system. However, after approximately a week of slow development, the system moved into warm Gulf of Mexico waters and rapidly intensified into a major hurricane as it moved north towards the Florida Panhandle. After a 2-day long intensification period over the eastern Gulf, Michael made landfall as an unprecedented (for the region) high-end categ…

Tropical Storm · Sep 10, 2017. Hurricane Irma brought numerous impacts to the Florida Big Bend, southwest Georgia and southeast Alabama including widespread downed trees and power lines, roads blocked by trees, power outages, and trees on homes. Two people died during the event - one due to a car crash (Liberty County, FL) and another that had a heart attack (Worth County, GA). Two indirect deaths occurred due to carbon monoxide from a generato…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Clay County

If a building in Clay County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.